조직구조,정보형태 그리고 자산분배: 시중은행과 지방은행의 중소기업대출 차이에 관한 연구
Organizational Structures, Informational Forms, and Asset Allocation: Differences in Small Business Lending between Commercial and Local Banks
- 주제(키워드) Organizational Structures+Informational Forms+Asset Allocation+조직구조+정보형태+자산분배+중소기업대출
- 발행기관 아주대학교
- 지도교수 구형건
- 발행년도 2006
- 학위수여년월 2006. 8
- 학위명 석사
- 학과 및 전공 일반대학원 경영학과
- 본문언어 영어
초록/요약
Commercial and local banks have different organizational structures. Commercial banks have relatively hierarchical structures but local banks have relatively decentralized structures. Because of different organizational structures, they have different preferences for information. This paper tested hypothesis that hierarchical organizations prefer documented information to non-documented information and decentralized organizations prefer non-documented information to documented information. Furthermore, different organizational structures imply different investment patterns and allocate different capital assets which means small business lending in this paper. Commercial banks invest less in small business lending than local banks because of information preferences. This paper empirically shows that the difference in organizational structures is strongly correlated with small business lending in commercial and local banks in Korea.
more목차
Abstract
I. Introduction
II. Hypotheses
1. Differences in organizational structure between commercial banks and local banks
2. Implication of different organizational structure for Information Preference and selection of investment projects
III. Data
1. Sources
2. Definition of Variables
2.1. Organizational variables
2.2. Information preference variables
2.3. Small business lending variable
IV.Empirical Results
1. Corelationship between Organizational Variables and Small Business Lending Variable
2. Corelationship between Information preference variables and Small Business Lending Variable
2.1 The Ratio of Credit Loan to total lending
2.2 The Ratio of collateralized Loan to total lending
V. Conclusions
References
Appendix
1. Figures of Total Business Lending, The Number of Employees, The Number of Branches and The Ratio of High-Ranked Officer to Total employees
2. Some Empirical results
